More than a mortgage. A movement towards financial sovereign

 Yes — absolutely. Self-employed buyers can purchase a home just as easily as W-2 employees, but the documentation looks a little different. Instead of pay stubs, lenders verify your income through tax returns, business financials, bank statements, or other records that show consistent earnings. The key is demonstrating stable income over the past 1–2 years and showing that your business is healthy.

Many entrepreneurs think they won’t qualify because they write off expenses or show lower taxable income, but with the right strategy — including analyzing bank statements, adding back eligible business deductions, or structuring your file correctly — most self-employed clients can qualify without issues.

 Yes — starting a new job and having student loans does not disqualify you from buying a home. Lenders care more about income stability and how your student loans are calculated, not how long you’ve been at your job or how much debt you have on paper.

If you’ve just started a new position, you can usually qualify right away as long as your job is full-time, salaried, or has guaranteed hours. Even a career change is acceptable as long as it’s within the same field or clearly improves your earning potential.

When it comes to student loans, the key is understanding which repayment plan you’re on. Many buyers assume their loan balances are too high — but lenders don’t use your full student loan balance. They use the monthly payment, and there are multiple strategies to lower that number so you qualify with more breathing room. For example, income-driven repayment plans, deferred loans, or loans in forbearance are handled differently depending on the program.

 A good deal is one where the numbers make sense for both your budget and your long-term goals. You want a stable monthly payment you’re comfortable with, a fair purchase price based on the market, and a home that will build equity over time. A strong deal isn’t just about how the property looks — it’s about payment, if it cash flows today, value, location, condition, and future potential. If the home fits your financial plan, aligns with comparable sales, and supports your goals for wealth building or stability, then it’s a good deal. If it strains your budget or doesn’t make sense long-term, it’s not.